No good answer for me, but I never wear cotton any more. I sweat a lot and cotton is just awful. Mind you, I started out cycling seriously thinking that jerseys were overpriced and over-rated.
Now I wear a mix of jerseys. Some cheap, single color. Others are a mix of things that I have either gotten as gifts or that I particularly like. My favorite is this one:
I do find that I much prefer full length zippers. I have no team jerseys.